Can I open an interest-bearing bank account to donate the interest in charity?

Answered according to Hanafi Fiqh by


Can I Have an Interest bearing Bank Account in Order to Donate the Interest to Charity?

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.


Ideally, a person should seek to open a bank account with an Islamic bank.  If an Islamic bank is not available or does not offer thee required services for a customer, a person should opt for an Islamic window account in a conventional bank which adheres to Shariah principles.  If Islamic windows are not available, a person may open a current account at a conventional bank which does not offer interest.

It is permissible to open a non-interest current account in a conventional bank despite the presence of Islamic banks.  However, it is encouraged to use the services of Islamic banks to assist the growth of Islamic Finance.
Only in the absence of the above can a person open a bank account which reaps interest due to the necessity of protecting one’s wealth.  If a person has an interesting bearing account due to necessity and as a last resort, he must donate the money to charity as a means of purification and not reward.

A person cannot open a savings account with interest with the good intention of donating the interest to the needy.  To accrue interest is categorically forbidden in the Qur’an and is ḥarām.  To give voluntary charity is mustaab and preferable.  A person cannot do a haram in order to fulfil a mustaab practice.  Furthermore, if one acquired interest to give to the poor, he would not be rewarded regardless.  Dispensing of interest to the needy is not adaqah, rather, it is an obligatory form of purification of one’s wealth.

In conclusion, it is not permissible to open an interest bearing account to in order to donate the interest to the needy[1].  One should instead donate his own acquired money as adaqah to the needy.  Such adaqah will be a means of barakah and blessings for oneself and the needy with the will of Allah.
And Allah Ta’ālā Alone Knows Best
Mufti Faraz Adam, 

The views and opinions expressed in this answer belong only to the author and do not in any way represent or reflect the views of any institutions to which he may be affiliated.
Arguments and ideas propounded in this answer are based on the juristic interpretations and reasoning of the author. Given that contemporary issues and interpretations of contemporary issues are subjective in nature, another Mufti may reach different conclusions to the one expressed by the author. Whilst every effort has been taken to ensure total accuracy and soundness from a Shari’ah perspective, the author is open to any correction or juristic guidance. On the event of any juristic shortcomings, the author will retract any or all of the conclusions expressed within this answer.
The Shari’ah ruling given herein is based specifically on the scenario in question.  The author bears no responsibility towards any party that acts or does not act on this answer and is exempted from any and all forms of loss or damage.  This answer may not be used as evidence in any court of law without prior written consent from the author.  Consideration is only given and is restricted to the specific links provided, the author does not endorse nor approve of any other content the website may contain.

[1] Ahsanul Fatawa 7/60 H.M Saeed

This answer was collected from, which is operated under the supervision of Mufti Faraz ibn Adam al-Mahmudi, the student of world renowned Mufti Ebrahim Desai (Hafizahullah).

Find more answers indexed from:
Read more answers with similar topics:
Subscribe to IslamQA Weekly Newsletter

Subscribe to IslamQA Weekly Newsletter

You will receive 5 Q&A in your inbox every week

We have sent a confirmation to you. Please check the and confirm your subscription. Thank you!